Car Insurance in Boston

It is important to save while insuring a vehicle in Boston because premiums in Boston are recognized for being expensive. They are generally $296 higher than Massachusetts' average. Going over some ways to save on Boston car insurance can save you some hard-earned money.

  • City Average: $1,497
  • State Average: $1,201
  • National Average: $1,427

Boston Car Insurance by Age

At $1,186, drivers in their 70s have the smallest rates among any age group. Those in their 60s ($1,225) aren’t paying much more. When Boston drivers hit their 20s, therefore moving out of the teenage age bracket, they reduce their premiums by 61%. It is the biggest gap between any age group. The downward direction continues, as premium prices in Boston decrease the older a driver gets. With average payments of $5,028, teenage drivers pay the most in car insurance premiums.

  • Teenagers: $5,028
  • 20s: $1,942
  • 30s: $1,443
  • 40s: $1,391
  • 50s: $1,340
  • 60s: $1,225
  • 70s: $1,186

Boston Car Insurance by Accident or Violation History

Previous accidents and violations can cost you in terms of car insurance premiums. A DUI will increase your car insurance premiums more than other driving violations. Generally, a DUI in Boston will cost you 98% more in car insurance premiums versus the city average of $1,497. Reckless driving will also drive your rates up, with average rates of $2,932! The amount of damage caused by an accident plays a part in the degree to which insurance rates will rise. For individuals in Boston with at-fault accidents in which damages exceeded $2,000, rates are an average of $106 more than at-fault accidents with damages less than $1,000.

  • DUI: $2,963
  • Reckless Driving: $2,932
  • At-fault Accident (damages less than $1000): $2,424
  • At-fault Accident (damages greater than $2000): $2,530
  • Speeding Ticket (16-20 mph over speed limit): $1,868

* Credit score is considered discriminatory in Massachusetts and is therefore not used as a rating factor when determining how much you'll pay for auto insurance.

* In Boston, insurance rates aren't influenced by either marital status or gender.

What drives up car insurance rates in Boston?

Where you live in Boston affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Boston is no exception to the rule. From zip code 02467 to 02119, premiums rise by 47 percent—that’s $699.

Expensive Boston Zip Codes: 02126, 02125, 02121, 02120, 02119

Cheap Boston Zip Codes: 02467, 02108, 02217, 02222, 02196

Boston Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Boston, you can expect 126 rainy days with an annual rainfall of 43.8 inches. Boston is also known to experience severe winter storms. You can check on the condition of the roads anytime here.

126

Rainy Days a Year

44"

Avg. Annual Rainfall

44"

Avg. Annual Snowfall

Be Prepared For

Driving in Beantown

Major Highways
I-90 I-93 I-495
Toll Roads
Massachusetts Turnpike
Popular Day Trips
Cape Cod Plum Island Mount Monadnock

Find Local Boston Agents

MassDrive Insurance Group

241 A Street Boston, MA 02210

Knapp Schenck & Company Ins Agency, Inc.

One India Street Boston, MA 02109

Inland Underwriters Insurance Agency

One 13th St Boston, MA 02129

Paul Lymneos Insurance Agency,Inc.

4258 Washington Street Boston, MA 02131

Flynn Insurance Agency Inc

30 Park Street Boston, MA 02129

See All

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$1,731

The average Bostonian's annual cost of coverage

40%

Our customer's average savings after comparing insurance

277

That's equal to 277 cups of coffee or $692 in savings

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Additional Resources:

Boston Car Insurance

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